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Hello I was hoping for some advice
Long ago, in a galaxy far far away a man applied for a loan with minicredit. After receiving the loan he fell on hard times. losing two members of his family. Minicredit bombarded him with emails and letters but eventually stopped .
In 2015 a company called OPOS started phoning so the man wrote to them listing his phone numbers and saying that they should not call but only write , unfortunately he didn't send it by recorded delivery so can not prove they received it. There have been no letters from OPOS at all, and to his knowledge no emails
Several months ago he answered the phone to some wee scottish lass who wanted to check his identity- he refused and said he had written - to which the lass said they had replied
Today , the phone went again and it was another or the same lassie
The man said he would not give details but that he had written to which the response was , we have replied. the man then suggested that they send the letter again to prove they had done so to which the lassie said she couldn't until security was done. An impasse
Anyway , not sure what to do
When Minicredit folded i was not contacted in any way , by email or letter ( I haven't moved). I might have changed my email address but if emails are sent to the old one they bounce back, I know i have just tried. I don't want to start communicating with them unless I have to.
I will be able to work out the exact date of the loan agreement from old bank statements ( I think). From reading different fora and posts I am guessing that they could just manufacture an assignment notice
They are not much of a pest as its been two calls in a year
Any advice, do I just keep quiet?
Thanks
I have just looked back in my emails and it was taken out from an email address i still use and I still have the agreement with a pin number for a digital signature. The date the loan was due to be paid back was 5th July 2012
Long ago, in a galaxy far far away a man applied for a loan with minicredit. After receiving the loan he fell on hard times. losing two members of his family. Minicredit bombarded him with emails and letters but eventually stopped .
In 2015 a company called OPOS started phoning so the man wrote to them listing his phone numbers and saying that they should not call but only write , unfortunately he didn't send it by recorded delivery so can not prove they received it. There have been no letters from OPOS at all, and to his knowledge no emails
Several months ago he answered the phone to some wee scottish lass who wanted to check his identity- he refused and said he had written - to which the lass said they had replied
Today , the phone went again and it was another or the same lassie
The man said he would not give details but that he had written to which the response was , we have replied. the man then suggested that they send the letter again to prove they had done so to which the lassie said she couldn't until security was done. An impasse
Anyway , not sure what to do
When Minicredit folded i was not contacted in any way , by email or letter ( I haven't moved). I might have changed my email address but if emails are sent to the old one they bounce back, I know i have just tried. I don't want to start communicating with them unless I have to.
I will be able to work out the exact date of the loan agreement from old bank statements ( I think). From reading different fora and posts I am guessing that they could just manufacture an assignment notice
They are not much of a pest as its been two calls in a year
Any advice, do I just keep quiet?
Thanks
I have just looked back in my emails and it was taken out from an email address i still use and I still have the agreement with a pin number for a digital signature. The date the loan was due to be paid back was 5th July 2012
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